Terms & Conditions

1. Acceptance of terms

By downloading, installing, or using SpendLens ("the App"), you agree to be bound by these Terms & Conditions ("Terms"). If you do not agree to these Terms, do not download or use the App.

2. The App

SpendLens is a personal expense tracking utility for iOS, distributed exclusively through Apple's App Store. It is provided to you by Zeeshan Ahmed ("the Developer"). The App is a private digital ledger — it helps you record your own expenses on your own device. It is not a financial institution, banking service, money transmitter, investment platform, or financial adviser, and nothing in it should be construed as financial, tax, legal, or investment advice.

3. License

Subject to your compliance with these Terms, the Developer grants you a limited, non-exclusive, non-transferable, revocable license to use the App on Apple-branded devices that you own or control, in accordance with Apple's App Store Standard EULA, which is incorporated into these Terms by reference.

4. In-app purchases

The App offers optional in-app purchases:

• SpendLens Pro — a one-time, non-consumable purchase that unlocks Pro features. Once purchased, Pro is yours forever and is restored automatically on any Apple device signed in to the same Apple ID.
• Tip Jar — optional consumable purchases that support ongoing development. Tips are entirely voluntary and do not unlock additional features.

All payments are processed by Apple under Apple's terms. Refunds are governed by Apple's refund policy and are managed through your Apple ID account, not directly by the Developer.

5. Acceptable use

You agree to use the App only for lawful purposes and in accordance with these Terms. You agree not to:

• Reverse engineer, decompile, or disassemble the App
• Modify, adapt, or create derivative works of the App
• Remove or alter any copyright, trademark, or other proprietary notices
• Use the App to transmit any unlawful, harassing, defamatory, or malicious content
• Attempt to gain unauthorized access to any portion of the App or its underlying systems

6. Your data

You are solely responsible for the accuracy of the data you enter into the App and for backing up your data. The App stores data locally on your device and, if you enable iCloud sync, in your private iCloud container managed by Apple. The Developer does not have access to your data and cannot recover data that is lost due to device failure, accidental deletion, iCloud account issues, or any other cause. We strongly recommend exporting periodic backups via the CSV/PDF export feature.

7. Currency conversion

The App displays currency exchange rates fetched from frankfurter.app, which sources rates from the European Central Bank's published reference rates. Exchange rates are provided for informational purposes only. They are not live trading rates, may be delayed, and may differ from the rates applied by your bank or payment provider. You should not rely on them for any actual currency conversion or financial decision.

8. Receipt scanning

The receipt scanning feature uses Apple's Vision framework for on-device optical character recognition (OCR). Results may not always be accurate, particularly with poor lighting, faded receipts, or unusual fonts. You are responsible for reviewing and confirming all scanned data before saving. No images or scanned data are transmitted from your device by the App.

9. SMS Auto-Capture (where available)

If your version of the App includes the Inbox feature for SMS-based transaction capture, you understand and agree that:

• The feature is opt-in and relies on an iOS Shortcuts Personal Automation you configure manually, triggered by your account currency.
• When Smart Parsing is enabled, the captured message text is sent over an encrypted connection to a cloud parsing service (operated via Cloudflare Workers and Google's Gemini API) to extract the transaction. When Smart Parsing is disabled, no message text is transmitted.
• Parsing is not guaranteed to be accurate; you must review every captured transaction before approving it.
• You are responsible for ensuring the iOS Shortcuts automation works correctly on your device.
• The App cannot read SMS directly under any circumstances.

10. Notifications

SpendLens sends local notifications for recurring expense reminders and similar informational events. These notifications are reminders only. The Developer is not responsible for missed notifications, delayed notifications, or any financial consequences arising from missed budget thresholds. Notification delivery depends on your device settings and iOS behavior, which are outside the Developer's control.

11. Disclaimer of warranties

The App is provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, accuracy, or non-infringement. The Developer does not warrant that the App will be error-free, uninterrupted, secure, or free of harmful components. The Developer does not warrant the accuracy of any data, calculations, currency conversions, OCR results, or AI-parsed transaction data provided by the App.

12. Limitation of liability

To the maximum extent permitted by applicable law, the Developer shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of data, loss of profits, business interruption, financial losses, missed budget thresholds, or incorrect financial decisions arising from the use of, or inability to use, the App. The Developer's total cumulative liability shall not exceed the amount you paid for the App in the twelve (12) months preceding the event giving rise to the claim, which is at most a one-time purchase price.

13. Intellectual property

The App, including its design, code, branding, logos, name "SpendLens," visual identity, and all content, is the intellectual property of Zeeshan Ahmed and is protected by copyright, trademark, and other applicable laws. You may not copy, modify, distribute, sell, lease, or reverse engineer any part of the App except as expressly permitted by these Terms or by Apple's App Store Standard EULA.

14. Third-party services

The App relies on services and frameworks provided by Apple Inc. (including iOS, iCloud, CloudKit, StoreKit, Vision, and App Intents) and on the public exchange-rate API at frankfurter.app. If you enable Smart Parsing, the App also uses a cloud parsing service hosted on Cloudflare Workers, which forwards bank SMS text to Google's Gemini API for transaction extraction. The Developer is not responsible for the availability, accuracy, security, or terms of these third-party services. Your use of those services is governed by their respective terms.

15. Termination

You may stop using the App at any time by deleting it from your device. The Developer reserves the right to discontinue the App, withdraw it from the App Store, or stop providing updates at any time without prior notice. In the event of discontinuation, previously purchased licenses remain valid for download and reinstallation through your Apple ID purchase history, subject to Apple's policies.

16. Changes to these Terms

The Developer reserves the right to update these Terms at any time. Changes will be reflected on this page with a new "Last updated" date. Continued use of the App after such changes constitutes your acceptance of the updated Terms. If you do not agree to the updated Terms, your sole remedy is to stop using the App.

17. Governing law

These Terms are governed by and construed in accordance with the laws of the United Arab Emirates, without regard to its conflict of laws principles. Any dispute arising out of or relating to these Terms or the App shall be subject to the exclusive jurisdiction of the courts of the Emirate of Abu Dhabi, UAE, except where mandatory consumer protection laws of your country of residence provide otherwise.

18. Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect.

19. Contact

For questions about these Terms, write to businessforzeeshan@gmail.com.